Tama County Investment Services

05/25/2026

05/20/2026

When stock prices drop, some investors start asking "shoulda, woulda, coulda” questions about whether to remain invested. But as 2025 illustrates, market timing can be very expensive even if it means missing just a few days.

04/15/2026

Be sure to ask the right question when looking for someone to handle your finances, “Are you a Certified Financial Planner® professional?”

04/14/2026

Awesome group, we appreciate the opportunity to help your employees reach their retirement goals.

04/07/2026

What if your most expensive tax decision in 2026 happens long before you file your return?
Tax prep looks backward; tax strategy looks ahead, and that gap is where real after-tax outcomes get decided.

A few high-impact levers to keep on the radar:
➡️ When Income Lands: Timing bonuses, self-employment income, and retirement distributions can help manage brackets.

➡️ How You Might Save: Consider taking advantage of the higher 401(k) limits in 2026 and catch-up provisions—but be sure to look into whether you need to use a Roth for those catch-up contributions.

➡️ Where Giving Shows Up: New rules change how charitable gifts and Adjusted Gross Income (AGI) limits work together.

➡️ What You Do in Down Markets: Tax-loss harvesting can turn volatility into a tool, not just noise.

➡️ With most retirement accounts, once you reach age 73, you must begin taking required minimum distributions. Roth accounts are the exception. Withdrawal penalties may apply if you take the money before age 59½. Roth IRA distributions must meet a 5-year holding requirement and occur after the account holder reaches age 59½.

Preparing year-round can help shape future cash flow, flexibility, and choices.



Sources:
➡️ https://www.affiancefinancial.com/news/tax-planning-or-tax-preparation-which-do-i-need
➡️ https://www.bdo.com/insights/tax/irs-issues-final-catch-up-contribution-regulations-for-salary-deferrals-in-retirement-plans
➡️https://www.irs.gov/pub/irs-drop/n-25-67.pdf
https://silvertaxgroup.com/donor-advised-funds-strategy/
➡️ https://www.fidelitycharitable.org/guidance/charitable-tax-strategies/bunching-charitable-donations.html
➡️ https://www.bankrate.com/retirement/convert-to-roth-ira/

01/25/2026

We are excited to announce we are OPEN for business in our new addition. Please stop by for a tour. Our new entrance is on the east side of the bank.

01/13/2026

What are Wall Street’s best and brightest looking for in 2026? If you toss out the highest and lowest, you can see that the other forecasts settle into a pretty tight range for the year. What the table doesn’t show is that there will be highs and lows during the year. There will be times when stock prices look invincible. And there will be times when you wonder why you invest in stocks at all.

01/01/2026

Wow! It’s the New Year already, can you believe it?

Do you have any New Year’s resolutions? Is the goal of getting your finances in order part of your resolution?

Finances can be overwhelming, especially when that’s on your mind at the start of this New Year! Our firm is available to help with retirement, estate, and investment.

Comment the word “Ready!” to get started today or send us a DM.

12/30/2025

Friendly reminder of our special hours in observance of New Year's Day. Regular hours will resume Friday, January 2nd. We hope you all have a happy and healthy New Year!

Online and mobile banking services, as well as ATM's, remain available 24/7.